If the only damage is to your car and the accident did not result in any property damage to anyone else then you can refuse payment and close the claim without settlement and should be able to avoid any negative impact on your rates. If on the other hand there is damage to another vehicle or property that will be paid by your insurance company then you might as well take what you can from your insurance company for your vehicle.
Yes, the general idea of insurance is that your rates go up when you cause an accident and they are forced to pay out.
Sure and here is why. Following too closely= tailgating= accident or potential risk of getting into an accident. If I was your agent, I would consider this situation with my supervisor and determine the amount of your premium.
It would not affect her current claim but lowering of her deductible would then affect any future claims. Of course the premium would be slightly higher in exchange for the lower deductible. The company will also want to examine the vehicle to make sure repairs are done from the previous accident before lowering the deductible.
It can affect: 1. Your insurance premium (for your own vehicle, or your parents vehicle if you are on their policy. 2. Your employers insurance premium (if you drive for work) It will NOT affect: 1. Your friend's premium, unless you are scheduled as a driver on the policy
Well, for now it will effect Dad's. If the boy was issued tickets, and they are still on his record when he applys for coverage this will show up and he will be rated accordingly.
not realy i dont under stand why
yes
No, premium only, otherwise it will affect your engine performance.
No. Doesn't affect it at all.
No, premium only, otherwise it will affect your engine performance.
Makes it more likely that you will have an accident
he was burnt by the undertaker when he was young